Homeland Lending Inc Mortgage Lending & HMDA Data, 2010
In 2010, Homeland Lending Inc of Plant City, FL reported 267 mortgage applications totaling $28.7 million, down 56% from 2009. The average application was for $107,670, and applicants reported an average income of $42,131. 13% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (25), Jacksonville, FL (18) and Ocala, FL (12) (applications in parentheses).
| Mortgage Company & Address | Homeland Lending Inc 2612 N Adams St Plant City, FL 33563 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 |
| Total Number of Mortgage Applications | 267 |
| Total Mortgage Loan Application Amount | $28,748,000 |
| Average Mortgage Loan Application Amount | $107,670 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $42,131 |
| Highest Applicant Income | $314,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Homeland Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, Florida | 15 | $ 1,598,000 | $ 106,533 | $ 33,000 |
| Marion, Florida | 12 | $ 1,117,000 | $ 93,083 | $ 38,000 |
| Citrus, Florida | 10 | $ 828,000 | $ 82,800 | $ 34,000 |
| Pasco, Florida | 10 | $ 1,033,000 | $ 103,300 | $ 35,000 |
| Polk, Florida | 10 | $ 1,316,000 | $ 131,600 | $ 67,000 |
| Putnam, Florida | 10 | $ 1,077,000 | $ 107,700 | $ 37,000 |
| Bay, Florida | 9 | $ 1,150,000 | $ 127,777 | $ 40,000 |
| Hillsborough, Florida | 9 | $ 1,242,000 | $ 138,000 | $ 51,000 |
| Washington, Florida | 8 | $ 854,000 | $ 106,750 | $ 38,000 |
| Columbia, Florida | 7 | $ 615,000 | $ 87,857 | $ 40,000 |
| Duval, Florida | 6 | $ 675,000 | $ 112,500 | $ 41,000 |
| Levy, Florida | 6 | $ 615,000 | $ 102,500 | $ 48,000 |
| Ware, Georgia | 6 | $ 502,000 | $ 83,666 | $ 33,000 |
| Alachua, Florida | 5 | $ 644,000 | $ 128,800 | $ 32,000 |
| Nassau, Florida | 5 | $ 540,000 | $ 108,000 | $ 59,000 |
| Lowndes, Georgia | 5 | $ 527,000 | $ 105,400 | $ 34,000 |
| Gulf, Florida | 4 | $ 556,000 | $ 139,000 | $ 52,000 |
| Hernando, Florida | 4 | $ 492,000 | $ 123,000 | $ 48,000 |
| Holmes, Florida | 4 | $ 342,000 | $ 85,500 | $ 32,000 |
| Santa Rosa, Florida | 4 | $ 338,000 | $ 84,500 | $ 36,000 |
| Houston, Alabama | 3 | $ 288,000 | $ 96,000 | $ 41,000 |
| Calhoun, Florida | 3 | $ 326,000 | $ 108,666 | $ 45,000 |
| Clay, Florida | 3 | $ 405,000 | $ 135,000 | $ 45,000 |
| Suwannee, Florida | 3 | $ 308,000 | $ 102,666 | $ 58,000 |
| Taylor, Florida | 3 | $ 232,000 | $ 77,333 | $ 37,000 |
| Charlton, Georgia | 3 | $ 310,000 | $ 103,333 | $ 39,000 |
| Effingham, Georgia | 3 | $ 322,000 | $ 107,333 | $ 40,000 |
| Glynn, Georgia | 3 | $ 298,000 | $ 99,333 | $ 47,000 |
| McIntosh, Georgia | 3 | $ 339,000 | $ 113,000 | $ 53,000 |
| DeSoto, Mississippi | 3 | $ 376,000 | $ 125,333 | $ 30,000 |
| Barbour, Alabama | 2 | $ 157,000 | $ 78,500 | $ 18,000 |
| Lowndes, Alabama | 2 | $ 219,000 | $ 109,500 | $ 31,000 |
| Mobile, Alabama | 2 | $ 246,000 | $ 123,000 | $ 88,000 |
| Baker, Florida | 2 | $ 191,000 | $ 95,500 | $ 41,000 |
| Charlotte, Florida | 2 | $ 143,000 | $ 71,500 | $ 74,000 |
| Collier, Florida | 2 | $ 227,000 | $ 113,500 | $ 38,000 |
| Escambia, Florida | 2 | $ 229,000 | $ 114,500 | $ 42,000 |
| Gilchrist, Florida | 2 | $ 158,000 | $ 79,000 | $ 32,000 |
| Hamilton, Florida | 2 | $ 265,000 | $ 132,500 | $ 58,000 |
| Madison, Florida | 2 | $ 165,000 | $ 82,500 | $ 50,000 |
| Miami-Dade, Florida | 2 | $ 358,000 | $ 179,000 | $ 79,000 |
| Orange, Florida | 2 | $ 225,000 | $ 112,500 | $ 49,000 |
| Pinellas, Florida | 2 | $ 237,000 | $ 118,500 | $ 48,000 |
| St. Johns, Florida | 2 | $ 248,000 | $ 124,000 | $ 31,000 |
| Sumter, Florida | 2 | $ 203,000 | $ 101,500 | $ 23,000 |
| Coffee, Georgia | 2 | $ 205,000 | $ 102,500 | $ 35,000 |
| Pierce, Georgia | 2 | $ 157,000 | $ 78,500 | $ 55,000 |
| Autauga, Alabama | 1 | $ 81,000 | $ 81,000 | $ 22,000 |
| Baldwin, Alabama | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Blount, Alabama | 1 | $ 177,000 | $ 177,000 | $ 53,000 |
| Butler, Alabama | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
| Choctaw, Alabama | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
| Clarke, Alabama | 1 | $ 177,000 | $ 177,000 | $ 93,000 |
| Coosa, Alabama | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Elmore, Alabama | 1 | $ 133,000 | $ 133,000 | $ 46,000 |
| Geneva, Alabama | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Henry, Alabama | 1 | $ 111,000 | $ 111,000 | $ 27,000 |
| Lawrence, Alabama | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
| Lee, Alabama | 1 | $ 137,000 | $ 137,000 | $ 37,000 |
| Madison, Alabama | 1 | $ 158,000 | $ 158,000 | $ 80,000 |
| Pike, Alabama | 1 | $ 76,000 | $ 76,000 | $ 20,000 |
| Randolph, Alabama | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Bradford, Florida | 1 | $ 88,000 | $ 88,000 | $ 23,000 |
| Broward, Florida | 1 | $ 103,000 | $ 103,000 | $ 31,000 |
| DeSoto, Florida | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Glades, Florida | 1 | $ 79,000 | $ 79,000 | $ 25,000 |
| Hardee, Florida | 1 | $ 92,000 | $ 92,000 | $ 31,000 |
| Lake, Florida | 1 | $ 80,000 | $ 80,000 | $ 41,000 |
| Leon, Florida | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Okaloosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Okeechobee, Florida | 1 | $ 150,000 | $ 150,000 | $ 61,000 |
| Osceola, Florida | 1 | $ 106,000 | $ 106,000 | $ 54,000 |
| Palm Beach, Florida | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| Walton, Florida | 1 | $ 143,000 | $ 143,000 | $ 40,000 |
| Atkinson, Georgia | 1 | $ 31,000 | $ 31,000 | $ 21,000 |
| Bacon, Georgia | 1 | $ 141,000 | $ 141,000 | $ 47,000 |
| Ben Hill, Georgia | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Berrien, Georgia | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
| Bibb, Georgia | 1 | $ 73,000 | $ 73,000 | $ 41,000 |
| Bleckley, Georgia | 1 | $ 133,000 | $ 133,000 | $ 70,000 |
| Bulloch, Georgia | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Burke, Georgia | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Cobb, Georgia | 1 | $ 169,000 | $ 169,000 | $ 75,000 |
| Decatur, Georgia | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Dodge, Georgia | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| Dougherty, Georgia | 1 | $ 134,000 | $ 134,000 | $ 50,000 |
| Douglas, Georgia | 1 | $ 87,000 | $ 87,000 | $ 42,000 |
| Early, Georgia | 1 | $ 121,000 | $ 121,000 | $ 31,000 |
| Emanuel, Georgia | 1 | $ 92,000 | $ 92,000 | $ 29,000 |
| Irwin, Georgia | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Laurens, Georgia | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| Lee, Georgia | 1 | $ 123,000 | $ 123,000 | $ 46,000 |
| Meriwether, Georgia | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
| Mitchell, Georgia | 1 | $ 76,000 | $ 76,000 | $ 33,000 |
| Richmond, Georgia | 1 | $ 156,000 | $ 156,000 | $ 71,000 |
| Seminole, Georgia | 1 | $ 78,000 | $ 78,000 | $ 31,000 |
| Tattnall, Georgia | 1 | $ 94,000 | $ 94,000 | $ 44,000 |
| Turner, Georgia | 1 | $ 109,000 | $ 109,000 | $ 63,000 |
| Wayne, Georgia | 1 | $ 61,000 | $ 61,000 | $ 18,000 |
| Washington, Mississippi | 1 | $ 131,000 | $ 131,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Homeland Lending Inc in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 260 | $28,011,000 | $107,000 | $400,000 | $42,000 | $314,000 |
| Refinancing | 7 | $737,000 | $105,000 | $206,000 | $47,000 | $79,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 120 | $12,604,000 | $105,000 | $219,000 | $40,000 | $86,000 |
| White | 107 | $11,827,000 | $110,000 | $206,000 | $42,000 | $86,000 |
| Black or African American | 31 | $2,866,000 | $92,000 | $170,000 | $38,000 | $94,000 |
| Hispanic | 8 | $1,318,000 | $164,000 | $400,000 | $86,000 | $314,000 |
| American Indian or Alaskan Native | 1 | $133,000 | $133,000 | $133,000 | $36,000 | $36,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 254 | $27,088,000 | $106,000 | $221,000 | $41,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 5 | $640,000 | $128,000 | $169,000 | $56,000 | $75,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4 | $640,000 | $160,000 | $400,000 | $108,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $380,000 | $95,000 | $112,000 | $27,000 | $44,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 192 | $21,394,000 | $111,000 | $400,000 | $44,000 | $314,000 |
| Application Denied By Financial Institution | 38 | $3,702,000 | $97,000 | $178,000 | $33,000 | $94,000 |
| Loan Originated | 36 | $3,544,000 | $98,000 | $177,000 | $45,000 | $93,000 |
| File Closed For Incompleteness | 1 | $108,000 | $108,000 | $108,000 | $45,000 | $45,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 11 | $1,046,000 | $95,000 | $124,000 | $35,000 | $67,000 |
| Employment History | 6 | $551,000 | $91,000 | $112,000 | $25,000 | $40,000 |
| Other | 2 | $214,000 | $107,000 | $138,000 | $67,000 | $94,000 |
| Debt-To-Income Ratio | 2 | $174,000 | $87,000 | $88,000 | $21,000 | $23,000 |
| Collateral | 2 | $226,000 | $113,000 | $140,000 | $38,000 | $41,000 |
| Unverifiable Information | 1 | $89,000 | $89,000 | $89,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Homeland Lending Inc's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Homeland Lending Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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